In recent years, the enthusiasm of rural residents to pay NCMS has gradually declined, showing more and more "cut payment" phenomenon. This phenomenon is mainly due to the increasing cost of NCMS. Back in 2003, when NCMS was established, each person only had to pay 10 yuan a year, but now this figure has climbed to 380 yuan per person. For rural families with relatively poor economic conditions, the annual payment pressure of nearly 1,900 yuan is too great. Therefore, they prefer not to pay NCMS.
However, the high cost of contributions does not mean that everyone needs to pay NCMS. According to the payment policy of NCMS, there are currently at least four categories of people who can be exempted from paying fees:
The first group of people is those who have already paid for employee medical insurance. Nowadays, with the process of urbanization, more and more farmers go to the city to work, and employers will pay urban social security for them. According to the regulations, NCMS and urban social security can only choose one or the other. Most farmers who work in urban areas will choose to pay social security contributions, so they do not need to pay NCMS fees.
The second group of people is the elderly in rural areas. Many people mistakenly believe that NCMS contributions have nothing to do with age and need to be paid all the time. In fact, NCMS also has certain exemption policies for the elderly. Seniors over the age of 60 can enjoy half of the reduction, while those over the age of 70 can be exempted from the NCMS fee. Of course, this is only a policy that can be enjoyed in some regions, while there are differences in the exemption policies for the elderly in other places.
The third group of people is the rural five-guarantee households. The so-called five-guarantee households refer to the lonely elderly and orphans in rural areas who have lost their ability to work, have no income, and have no children to support. Such groups not only enjoy the support of the State, but also have free access to medical care. Therefore, rural households do not need to pay the NCMS fee.
The fourth group is severely disabled. According to statistics, there are more than 80 million disabled people in China, a large part of whom are severely disabled. These people with disabilities are unable to go out to work or even to support themselves, and they are dependent on their families for care. For such severely disabled people, they can basically enjoy the benefits of NCMS while being exempted from paying NCMS fees, and the part of individual contributions is subsidized by the state finance.
Although it has now entered late November, the deadline for the payment of NCMS is getting closer and closer, and the willingness of farmers to pay is still not high, mainly due to the continuous payment of fees, which makes many families feel unbearable. However, we should think deeply about the fact that people get sick no matter what, and if the economic conditions allow, the payment of NCMS as much as possible can indeed greatly reduce the pressure on medical expenses.
Of course, for farmers who do not meet the payment conditions, there is no need to worry too much, because the four categories of people mentioned above do not need to pay the NCMS fees. For others, it's a good idea to dig deeper into the payment policy and see if you qualify for it. Only by truly understanding and grasping policy information can we make the right decisions.
NCMS has played a huge role in improving the health security level of rural residents. Through the promotion and implementation of NCMS, the medical burden of rural residents has been effectively reduced, and the quality of life of rural residents has been greatly improved. However, with the annual increase in the cost of NCMS, farmers' willingness to pay for NCMS has gradually decreased.
In response to this problem, we should clarify the situation in several aspects. First of all, despite the continuous payment, if the economic conditions allow, try to pay the NCMS in case of emergency. Secondly, for farmers who do not meet the payment conditions, they can seek other ways to solve their own medical security problems. Finally, we should increase the publicity of farmers' medical security, so that more farmers can understand the policies and preferential measures of NCMS.
In short, when deciding whether to continue to pay NCMS, rural residents should make a choice based on their actual situation and economic ability. At the same time, we should further improve the policies and measures of NCMS, improve the level of financial security of rural residents, and let more people benefit from the development of NCMS.